When you purchase RV insurance, Shavano Insurance Agency LLC offers many choices, but you can boil it down to two – a full-timers policy or a motor vehicle policy that meets the state requirements for Texas automobiles.
You need a motor vehicle policy for your RV if you want to drive it around San Antonio, TX and beyond. If you want to park your RV in a travel lot or at a resort park and live in it full-time, you need a full-timer’s policy.
Full-timers Insurance: What You Need To Know
A full-timers policy provides enhanced collision and comprehensive coverage. These policies protect your RV better if you will travel in it full time.
Other full-timers policies provide more liability coverage because you plan to park them and skirt the bottom or remove the tires and block the bottom. In these cases, you’ll use the RV as a non-traditional home, hooked up to a water line and electrical line.
Enhanced personal property coverage comprises another benefit of the full-timers policy. Using your RV as a home means upgrading your appliances and potentially upgrading your power supply. You might switch from propane to solar, which requires installing solar panels and an inverter.
The typical RV policy essentially provides your RV with coverage similar to that of your automobile. A full-timer’s policy works like a home policy for your RV.
Contact Us Today
Let Shavano Insurance Agency LLC help you insure your RV properly. You can phone us, email us, or visit our offices in San Antonio, TX. We will discuss your intended use of your RV and suggest appropriate RV insurance that will adequately cover your vehicle. Contact us today to get started.